Lloys tsb internal credit rating system I'm a 4?

capitaine

^I can't say i've found that with lloyds at all to be honest

IceCreamDreams

I've had a basic account with Lloyds TSB for just over a year now - no defaults or CCJ's etc, just a sparse credit history so they wouldn't give me a classic account. I went in a couple of weeks ago to ask for an upgrade and the lady told me that her computer says that I'm still a "9" which means there are absolutely NO facilities available to me at this time. I asked why that was considering I had run the account really well (wages going in, no bounced payments and no adverse credit etc) and she just shrugged her shoulders and told me there wasn't anything she could do....Seemed a bit rubbish considering I have actually got a full FlexAccount with Nationwide (debit cards, cheque books etc)....